{"id":1658,"date":"2017-12-19T21:13:05","date_gmt":"2017-12-19T20:13:05","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-d-interets-seront-finalement-restes-sages-en-2017_-n.html"},"modified":"2020-07-28T15:31:24","modified_gmt":"2020-07-28T13:31:24","slug":"les-taux-d-interets-seront-finalement-restes-sages-en-2017_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-taux-d-interets-seront-finalement-restes-sages-en-2017_-n.html","title":{"rendered":"Les taux d\u2019int\u00e9r\u00eats seront finalement rest\u00e9s sages en 2017"},"content":{"rendered":"<p>Tout au long de l&rsquo;ann\u00e9e 2017, les taux des pr\u00eats immobiliers se maintenus \u00e0 des <strong>niveaux tr\u00e8s bas<\/strong>, \u00e0 moins de 2% en moyenne toutes dur\u00e9es confondues<em> (1.40% sur 15 ans et 1.55% sur 20 ans, hors assurance \u2013 source&nbsp;acecredit.fr)<\/em>. Et en d\u00e9cembre, le mouvement de stabilisation des taux de cr\u00e9dit immobilier enclench\u00e9 depuis novembre est m\u00eame en train de se confirmer. Les conditions de cr\u00e9dit devraient <strong>rester favorables<\/strong> \u00e0 l&rsquo;achat immobilier en 2018.&nbsp;<\/p>\n<h2><strong>Une ann\u00e9e faste pour l&rsquo;immobilier<\/strong><\/h2>\n<div>L&rsquo;ann\u00e9e 2017 restera aussi comme l&rsquo;une des meilleures en mati\u00e8re d&rsquo;activit\u00e9 : un march\u00e9 fluide avec un nombre de transactions record, le cap du million de transactions sera d&rsquo;ailleurs pratiquement atteint. Cette tr\u00e8s forte activit\u00e9 s&rsquo;explique par plusieurs facteurs : des conditions d&#8217;emprunt attractives, la crainte d&rsquo;une remont\u00e9e brutale des taux, des dispositifs de soutien (PTZ<\/a>) et d&rsquo;investissement (Pinel) pl\u00e9biscit\u00e9s par les particuliers et des prix de l&rsquo;immobilier encore raisonnables au premier semestre.<\/p>\n<p>Cons\u00e9quence logique : les Fran\u00e7ais ont continu\u00e9 \u00e0 souscrire des contrats de cr\u00e9dits immobiliers. Ainsi, l&rsquo;ann\u00e9e 2017 pourrait bien devenir le &nbsp;<strong>nouveau record de production de cr\u00e9dits immobiliers<\/strong>, d\u00e9passant 2016 et ses 250 milliards d&rsquo;euros pr\u00eat\u00e9s par les banques fran\u00e7aises, lui-m\u00eame d\u00e9passant celui enregistr\u00e9 en 2015 (203 milliards). \u00c0 fin octobre 2017, pr\u00e8s de 238 milliards d&rsquo;euros de pr\u00eats ont \u00e9t\u00e9 accord\u00e9s aux Fran\u00e7ais, selon les derniers chiffres publi\u00e9s par la Banque de France.<\/div>\n<h2><strong>2018 sur la m\u00eame lanc\u00e9e ?<\/strong><\/h2>\n<p>Cependant, le march\u00e9 commence \u00e0 montrer<strong> quelques signes d&rsquo;essoufflement<\/strong>.&nbsp; Depuis deux \u00e0 trois mois, les ventes marquent une pause. Pour les acqu\u00e9reurs, c&rsquo;est plut\u00f4t une bonne nouvelle car les banques vont devoir <strong>continuer \u00e0 \u00eatre attractives<\/strong> et \u00e0 maintenir des taux \u00e0 un niveau avantageux en cette fin d&rsquo;ann\u00e9e et tout d\u00e9but 2018 pour atteindre leurs objectifs commerciaux dans les meilleures conditions possibles. Car elles anticipent un contexte probablement moins favorable qu&rsquo;en 2017, en raison d&rsquo;un contexte de hausse g\u00e9n\u00e9rale des prix et de la raret\u00e9 de l&rsquo;offre de biens dans les grandes m\u00e9tropoles.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tout au long de l\u2019ann\u00e9e 2017, les taux des pr\u00eats immobiliers se maintenus \u00e0 des niveaux tr\u00e8s bas, \u00e0 moins de 2% en moyenne toutes dur\u00e9es confondues (1.40% sur 15 ans et 1.55% sur 20 ans, hors assurance \u2013 source\u00a0acecredit.fr)<\/p>\n","protected":false},"author":4,"featured_media":1659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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